Bankwest Breeze Mastercard Credit Card Review

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Enjoy a 0% p.a. interest rate on purchases and balance transfers and save with a $0 first year annual fee on a new Bankwest Breeze.

Whether you’re using the card to repay an existing debt or make purchases, the Bankwest Breeze Mastercard offers a few ways to save with introductory interest rate offers.

$0 p.a.

Annual fee

for the first year ($79 p.a. thereafter)

0% p.a.

Balance transfer rate

for 26 months with 2% balance transfer fee

12.99% p.a.

Purchase rate

0% p.a.

Introductory purchase rate

for the first 6 months


Enjoy a 0% p.a. interest rate on purchases and balance transfers and save with a $0 first year annual fee on a new Bankwest Breeze.

Whether you’re using the card to repay an existing debt or make purchases, the Bankwest Breeze Mastercard offers a few ways to save with introductory interest rate offers.


Details

Product NameBankwest Breeze Classic Mastercard
Balance Transfer Rate0% for 26 months with 2% balance transfer fee
Balance Transfer Revert RateBalance Transfer Revert Rate (12.99%)
Balance Transfer Limit95% of available balance
Purchase Rate12.99% p.a.
Annual Fee$79
Interest Free Period55 days
Cash Advance Rate21.99% p.a.
Minimum Credit Limit$1,000
Card TypeMastercard
Foreign Currency Conversion Fee (Visa/Mastercard)2.95% of transaction value
Complimentary Travel InsuranceNo
Minimum Income$15,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Joint ApplicationNo

Pros

  • 0% p.a. interest on balance transfers for up to 26 months.
  • This card offers 0% p.a. interest on purchases for the first 6 months.
  • $0 first year annual fee.

Cons

  • Charges a 2% balance transfer fee.
  • Standard annual fee of $79 is relatively high.
Annual Fee$79
Minimum Monthly Repayment2% of transaction value or $20, whichever is greater
Late Payment Fee$25
Foreign Currency Conversion Fee (Visa/Mastercard)2.95% of transaction value
Cash Advance Fee2% or $4, whichever is greater
Overseas Cash Advance Fee2% or $4, whichever is greater
Overseas ATM Withdrawal Fee$0
Additional Cardholder Fee$0
Number of Additional Cardholders3

Expert Review

Sally McMullen

Review by

Sally McMullen


Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert Review

The Bankwest Breeze Mastercard has one of the longest 0% balance transfer offers available right now. Although it charges a 2% balance transfer fee, it still offers some of the highest savings thanks to the $0 annual fee and relatively competitive standard fee.

How To Apply

You can apply for the Bankwest Breeze Mastercard online and complete the application in around 15 minutes. Before you get started, make sure you meet the eligibility requirements and have all your supporting documentation on hand to speed up the process.

Eligibility criteria

  • Residency. This card is only available to permanent Australian residents or citizens.
  • Credit history. You'll only receive approval if you have a good credit score with no evidence of defaults or bankruptcy.

Card Benefits

  • $0 first year annual fee. Save with an annual fee waiver for the first year ($79 p.a. thereafter).
  • Balance transfer offer. If you're a new Bankwest Breeze Mastercard customer, you can repay an existing debt and save with 0% p.a. interest on balance transfers for 26 months. A one-time 2% balance transfer fee applies. Any remaining debt will collect the standard balance transfer rate of 12.99% p.a. at the end of the promotional period. You can transfer up to 95% of your approved credit limit from non-Bankwest accounts.

Rates & Fees

  • Annual fee. Outside of any promotions, this card charges an annual fee of $79.
  • Cash advance fee. If you use your card for a cash advance transaction (such as an ATM withdrawal), you'll be charged 2% of the transaction amount or $4 (whichever is greater).

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58 Comments

  1. Default Gravatar
    Annie
    March 22, 2019

    Hi, may I know what is the maximum limit for Balance transfer?

    • Staff
      Ash
      March 23, 2019

      Hi Annie,

      Thank you for contacting Finder.

      The maximum balance transfer limit is 95% of the approved credit limit. For example, you have been approved for $5,000, you may use 95% of it which is $4,750 for Balance Transfer.

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions.

      Cheers,
      Ash

  2. Default Gravatar
    Jellina
    March 22, 2019

    Does Bankwest accept a balance transfer from St.George?

    • Staff
      Jhez
      March 22, 2019

      Hello Jellina,

      Thank you for your comment.

      Yes, you can transfer your existing balance from St.George to Bankwest. According to Bankwest credit card terms and conditions, only Australian issued non-Bankwest credit/store cards can be balanced transferred.

      Regards,
      Jhezelyn

  3. Default Gravatar
    Sandy
    March 20, 2019

    Can I transfer from a personal loan to a Bankwest Breeze credit card with 26 months interest-free?

    • Staff
      Joshua
      March 20, 2019

      Hi Sandy,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      I’m afraid you can’t transfer a personal loan to Bankwest Breeze Mastercard Credit Card. It only allows you to transfer a balance from another non-Bankwest credit cards.

      If you want to find credit cards that allow you to transfer personal loan balance, please go to this page. On that page, you will see a table that allows you to conveniently compare cards that let you transfer a personal loan to a credit card. You can compare based on balance transfer rate, purchase rate, and fees, to name a few. Once you found the right one for you, click on the “Go to site” green button to learn more or initiate your application.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  4. Default Gravatar
    Tyler
    November 13, 2018

    Why does it say 0% interest on purchases for the first 13 months, then only 55 days interest-free? Which one is it?

    • Staff
      Jhez
      November 14, 2018

      Hello Tyler,

      Thank you for your comment.

      Please note that the Bankwest Breeze Mastercard offers new customers 0% p.a. interest on purchases for the first 13 months. The interest-free days does not only apply on purchases but it also applies to the overall balance of the credit card. You must pay the closing balance, including any cash advances and balances, to qualify for interest-free days.

      Find out how the 55 days interest-free works here. Also, please check how the 0% interest-free on purchases works here.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  5. Default Gravatar
    Matthew
    September 6, 2017

    I am an Australian citizen but have been living and working in New Zealand for the past year, can I still apply for an Australian credit card? Will my current overseas address and income details still be valid for an application?

    • Staff
      May
      September 8, 2017

      Hi Matthew,

      Thank you for your inquiry.

      Most credit card issuers would require their applicants to be Australian resident or citizen with a valid physical address in Australia. You’d be best to directly contact the bank first to confirm your eligibility before you apply for a credit card.

      Cheers,
      May

  6. Default Gravatar
    sally
    February 1, 2016

    Hi what does the 2% transfer fee on balance transfers mean?

    Sally

    • Staff
      Ysa
      February 1, 2016

      Hi Sally,

      Good afternoon and thanks for your question.
      The 2% fee is charged by the credit card issuer when transferring a balance from one account to another.

      Cheers,
      Ysa

  7. Default Gravatar
    Kerry
    June 9, 2015

    Hi,

    If I get a cash advance on my BankWest card will the cash advance (with the higher interest rate) be paid before the previous purchases are paid.

    Kind Regards,
    Kerry

    • Staff
      Jonathan
      June 10, 2015

      Hi Kerry, thanks for your inquiry!

      That is correct, the repayments to a credit card are allocated to the portion of debt which has highest rate of interest first then to the second highest rate of interest and so forth.

      Cheers,

      Jonathan

  8. Default Gravatar
    Ronnie
    December 19, 2013

    I cant seem to find an apply now link. Has the offer expired for the Bankwest Breeze MasterCard? I received the offer on the 12th December.

  9. Default Gravatar
    Jeff
    December 18, 2013

    Hi my wife and I currently have a Westpac MasterCard that is quite high and attracting a huge amount of interest. The card is in her name, can I still do the balance transfer if I get your card under my name?

    • Staff
      Jacob
      December 18, 2013

      Hi Jeff.

      Please have a look at the table on this page. It has information on the institutions that allow you to transfer between two cards in different names under a balance transfer promotion.

      Thanks for your question.

  10. Default Gravatar
    karen
    December 16, 2013

    Hi i applied on line and was approved however Bankwest advised that the deal is 2.9% for 9 months balance transfer and there is no deal available as per your web site 0% for 12 months

    What do I do now?

    • Staff
      Jacob
      December 16, 2013

      Hi Karen.

      Did you contact Bankwest to confirm the terms of the offer or did they contact you? In most cases, the call centre staff are not aware of the exclusive offers partner websites, like finder.com.au, have in place with the lender.

      However, if you were contacted by Bankwest with a confirmation of the terms of your offer (with a balance transfer promotional term of nine months), then there has been a mistake with your application. I can confirm that if you applied through out site, you will be eligible for a balance transfer promotion of 0% for 12 months.

      Let us know if you’re having issues with this and we should be able to work something out.

      Jacob.

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